Why do I need Designer Insurance?
As a designer, you bring a creative approach to problem-solving and help your clients tackle every challenge that comes their way. Shouldn’t you do the same for your business? A Thimble insurance policy can give you the peace of mind you need to propel your business to new heights.
Graphic Designer Insurance arranged by Thimble is designed to respond to incidents involving third-party bodily injury and property damage as well as errors and omissions in your work. Thimble includes both general liability insurance and professional liability insurance to protect your design business from both sides.
General liability insurance provides coverage in the event that a third party, such as a customer, client, or bystander, falls victim to any number of circumstances. General liability insurance provides investigation, defense, and settlement for claims from:
- Third-party, non-employee bodily injury
- Third-party property damage
- Personal and advertising injury
Professional liability insurance sometimes referred to as errors and omissions (E&O)— helps cover a client’s financial losses stemming from your providing the wrong advice or your failure to provide professional services properly. This type of insurance provides the investigation, defense, and payment to settle these types of claims. As a consultant, professional liability insurance is essential.
How much does small business insurance for designers cost?
The cost of your Graphic Designer Insurance Policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your design business.
With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible graphic designer insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.
To get an accurate idea of how much graphic designer insurance would cost you and your business, get a quote from Thimble.
Are my tools and equipment covered?
Thimble’s Business Equipment Protection covers accidental damage, loss, and theft to landscaping equipment you own, rent or borrow, up to a $5,000 coverage limit. Best of all, any equipment less than $2,500 is covered with our blanket coverage. Typically, you need to list out (or “schedule”) each item you want covered in your policy. We know you’ve got other things to focus on (like growing your business), instead of updating your policy with new equipment.
As your landscaping business grows, you may need to lease or purchase a building for office space or storing your equipment. If so, you will likely also need commercial property insurance. This first-party coverage protects the building structure that you own, the area around it, and any equipment or business property inside and within 100 feet of the structure.
Although similar to Business Equipment Protection, commercial property insurance protects business equipment within or near your building, such as computers and printers. In comparison, Business Equipment Protection protects any equipment and tools you take with you to job sites.
How quickly will I get a Certificate of Insurance?
Instantly. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox immediately after purchasing a policy with Thimble.
You can also add and modify your Additional Insureds as many times as you’d like directly from the Thimble App.
Still have questions?
Quick-thinking insurance for fast-moving businesses.
Less questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.
Any size. Every stage. Get coverage by the job, month, or year. Choose how you pay, then upgrade when business really takes off.
No hidden fees. No hard feelings. Modify, pause, or cancel instantly, whether work slows down or hiring picks up.